Investors naturally want simplicity. But in a world of rising inflation, geopolitical turmoil, and a stock market fueled by pandemic-era liquidity, asset allocation and time allocation are more closely linked than ever.
Unlike our parents, who relied on defined pensions and stable social security, today’s investors face structural headwinds. Furthermore, economic pressures on our children have created financial interdependencies. Nearly 40% of workers have taken loans or withdrawals from retirement accounts. This means time horizons for many are actively shortening.
